$ORRF Market Cap: $766.7 Million
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Financial Snapshot

Revenue
$168.9M
TTM
Gross Margin
Net Earnings
$8.366M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
$5.442B
Q4 2024
Total Liabilities
$4.925B
Q4 2024
Book Value
$516.7M
Q4 2024
Cash
$248.9M
Q4 2024
P/E
91.65
Nov 29, 2024 EST
Free Cash Flow
$26.14M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Revenue $27.31M $19.48M $19.46M $93.70M $99.63M $92.99M $65.67M $51.45M $41.96M $38.64M $38.18M $37.10M $45.44M $60.36M
YoY Change 40.21% 0.08% -79.23% -5.96% 7.14% 41.61% 27.63% 22.62% 8.61% 1.18% 2.92% -18.35% -24.73%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Revenue $27.31M $19.48M $19.46M $93.70M $99.63M $92.99M $65.67M $51.45M $41.96M $38.64M $38.18M $37.10M $45.44M $60.36M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

Operating Profits/Loss

No data

Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $806.0K $767.0K $748.0K $798.0K $865.0K $1.054M $989.0K $897.0K
YoY Change 5.08% 2.54% -6.27% -7.75% -17.93% 6.57% 10.26%
% of Gross Profit
Depreciation & Amortization $2.600M $4.340M $2.100M $2.300M $3.200M $2.700M $2.600M $2.700M $2.311M $2.310M $2.459M $2.208M $2.004M $2.035M $2.920M $2.630M $2.320M $1.840M $1.730M $1.420M $1.200M $1.010M $870.0K $830.0K $740.0K
YoY Change -40.09% 106.67% -8.7% -28.13% 18.52% 3.85% -3.7% 16.83% 0.04% -6.06% 11.37% 10.18% -1.52% -30.31% 11.03% 13.36% 26.09% 6.36% 21.83% 18.33% 18.81% 16.09% 4.82% 12.16%
% of Gross Profit
Operating Expenses $806.0K $767.0K $748.0K $798.0K $865.0K $1.054M $989.0K $897.0K
YoY Change 5.08% 2.54% -6.27% -7.75% -17.93% 6.57% 10.26%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Interest Expense $44.99M $9.024M $6.721M $16.02M $23.70M $13.51M $7.644M $5.417M $4.301M $4.159M $5.011M $7.548M $10.75M
YoY Change 398.57% 34.27% -58.06% -32.39% 75.42% 76.74% 41.11% 25.95% 3.41% -17.0% -33.61% -29.81%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Pretax Income $27.81M $45.03M $26.62M $40.90M $32.51M $19.63M $14.45M $12.43M $7.894M $9.508M $13.01M $9.798M -$30.50M -$42.83M $23.10M $17.40M $18.60M $17.80M $16.50M $14.40M $10.90M $9.700M $8.100M $7.000M $5.700M
YoY Change -38.25% 69.2% -34.92% 25.79% 65.59% 35.92% 16.23% 57.44% -16.98% -26.92% 32.78% -132.13% -28.79% -285.4% 32.76% -6.45% 4.49% 7.88% 14.58% 32.11% 12.37% 19.75% 15.71% 22.81%
Income Tax $5.756M $9.370M $4.579M $8.014M $6.048M $2.710M $1.640M $4.338M $1.266M $1.634M -$16.13M -$206.0K $7.955M -$10.86M $6.500M $4.100M $5.500M $5.200M $4.900M $4.400M $3.200M $2.700M $2.200M $1.900M $1.500M
% Of Pretax Income 20.7% 20.81% 17.2% 19.6% 18.6% 13.8% 11.35% 34.91% 16.04% 17.19% -124.0% -2.1% 28.14% 23.56% 29.57% 29.21% 29.7% 30.56% 29.36% 27.84% 27.16% 27.14% 26.32%
Net Earnings $22.05M $35.66M $22.04M $32.88M $26.46M $16.92M $12.81M $8.090M $6.628M $7.874M $29.14M $10.00M -$38.45M -$31.96M $16.60M $13.40M $13.10M $12.60M $11.60M $10.00M $7.800M $7.000M $5.900M $5.100M $4.200M
YoY Change -38.17% 61.83% -32.98% 24.25% 56.36% 32.17% 58.28% 22.06% -15.82% -72.98% 191.3% -126.02% 20.3% -292.55% 23.88% 2.29% 3.97% 8.62% 16.0% 28.21% 11.43% 18.64% 15.69% 21.43%
Net Earnings / Revenue 80.73% 183.08% 113.22% 35.09% 26.56% 18.2% 19.5% 15.72% 15.8% 20.38% 76.32% 26.97% -84.63% -52.95%
Basic Earnings Per Share $1.49 $3.45 $2.09 $3.00 $2.42 $1.63 $1.53 $1.00 $0.82 $0.97 $3.59 $1.24 -$4.77 -$3.98
Diluted Earnings Per Share $1.48 $3.42 $2.058M $2.96 $2.40 $1.61 $1.50 $0.98 $0.81 $0.97 $3.59 $1.24 -$4.77 -$3.98 $2.184M $2.062M $2.015M $1.938M $1.785M $1.695M $1.345M $1.207M $1.035M $910.7K $777.8K

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $29.39M $29.33M $44.60M $43.80M $37.50M $38.20M $34.80M $34.90M $24.00M $24.80M $26.40M $26.80M $27.20M $27.80M $29.60M $31.10M $26.00M $19.90M $13.60M $13.20M $11.20M $9.800M $9.000M $9.300M
YoY Change 0.22% -34.24% 1.83% 16.8% -1.83% 9.77% -0.29% 45.42% -3.23% -6.06% -1.49% -1.47% -2.16% -6.08% -4.82% 19.62% 30.65% 46.32% 3.03% 17.86% 14.29% 8.89% -3.23%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $22.02M $24.03M $11.60M $12.90M $12.00M $8.600M $6.300M $16.30M $14.80M $15.40M $2.600M
YoY Change -8.38% 107.16% -10.08% 7.5% 39.53% 36.51% -61.35% 10.14% -3.9% 492.31%
Total Long-Term Assets
YoY Change
Total Assets $3.064B $2.922B $2.835B $2.751B $2.383B $1.934B $1.559B $1.415B $1.293B $1.190B $1.178B $1.233B $1.444B $1.512B $1.196B $1.052B $885.0M $809.0M $601.5M $514.7M $472.4M $410.3M $373.7M $311.9M
YoY Change
Accounts Payable $60.99M $61.85M $29.70M $28.90M $34.70M $22.80M $17.20M $15.20M $13.90M $11.90M $10.90M $12.80M $10.20M $9.800M $7.600M $1.200M $1.200M $1.200M $4.900M $5.000M $4.300M $3.800M $3.400M $3.300M
YoY Change -1.39% 108.25% 2.77% -16.71% 52.19% 32.56% 13.16% 9.35% 16.81% 9.17% -14.84% 25.49% 4.08% 28.95% 533.33% 0.0% 0.0% -75.51% -2.0% 16.28% 13.16% 11.76% 3.03%
Accrued Expenses $11.61M $9.976M $11.10M $9.100M
YoY Change 16.42% -10.13% 21.98%
Deferred Revenue
YoY Change
Short-Term Debt $9.785M $17.25M $23.30M $75.20M $154.9M $64.10M $93.60M $87.90M $89.20M $86.70M $59.00M $9.700M $35.00M $87.90M $97.90M $64.00M $58.10M $41.70M $36.10M $19.50M $66.60M $49.30M $58.00M $39.90M
YoY Change -43.28% -25.96% -69.02% -51.45% 141.65% -31.52% 6.48% -1.46% 2.88% 46.95% 508.25% -72.29% -60.18% -10.21% 52.97% 10.15% 39.33% 15.51% 85.13% -70.72% 35.09% -15.0% 45.36%
Long-Term Debt Due $0.00 $0.00 $0.00 $0.00
YoY Change
Total Short-Term Liabilities $70.78M $61.85M $40.80M $38.00M $34.70M $22.80M $17.20M $15.20M $13.90M $11.90M $10.90M $12.80M $10.20M $9.800M $7.600M $1.200M $1.200M $1.200M $4.900M $5.000M $4.300M $3.800M $3.400M $3.300M
YoY Change 14.43% 51.59% 7.37% 9.51% 52.19% 32.56% 13.16% 9.35% 16.81% 9.17% -14.84% 25.49% 4.08% 28.95% 533.33% 0.0% 0.0% -75.51% -2.0% 16.28% 13.16% 11.76% 3.03%
Long-Term Debt $32.09M $32.03M $32.00M $31.90M $31.80M $31.90M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $300.0K $500.0K $118.3M $75.90M $32.40M $40.30M $35.60M $0.00 $0.00 $0.00 $0.00
YoY Change 0.21% 0.08% 0.31% 0.31% -0.31% -100.0% -40.0% -99.58% 55.86% 134.26% -19.6% 13.2%
Other Long-Term Liabilities $7.600M $7.300M $5.600M
YoY Change 4.11% 30.36%
Total Long-Term Liabilities $32.09M $32.03M $32.00M $31.90M $31.80M $31.90M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $300.0K $500.0K $125.9M $83.20M $38.00M $40.30M $35.60M $0.00 $0.00 $0.00 $0.00
YoY Change 0.21% 0.08% 0.31% 0.31% -0.31% -100.0% -40.0% -99.6% 51.32% 118.95% -5.71% 13.2%
Total Liabilities $2.799B $2.694B $2.563B $2.504B $2.160B $1.761B $1.414B $1.280B $1.160B $1.063B $1.086B $1.145B $1.316B $1.351B $1.086B $948.4M $788.9M $719.6M $544.2M $465.4M $429.6M $372.3M $342.6M $285.2M
YoY Change 3.92% 5.1% 2.34% 15.94% 22.66% 24.53% 10.51% 10.33% 9.09% -2.14% -5.12% -12.99% -2.61% 24.48% 14.46% 20.22% 9.63% 32.23% 16.93% 8.33% 15.39% 8.67% 20.13%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Basic Shares Outstanding 14.76M shares 10.34M shares 10.55M shares 10.97M shares 10.94M shares 10.36M shares 8.360M shares 8.070M shares 8.059M shares 8.107M shares 8.110M shares 8.093M shares 8.066M shares 8.017M shares
Diluted Shares Outstanding 14.91M shares 10.44M shares 10.71M shares 11.11M shares 11.03M shares 10.51M shares 8.537M shares 8.226M shares 8.145M shares 8.142M shares 8.116M shares 8.093M shares 8.066M shares 8.027M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

Stock Price

Market Cap: $766.72 Million

About ORRSTOWN FINANCIAL SERVICES INC

Orrstown Financial Services, Inc. is a holding company, which engages in the provision of consumer and business financial services. The company is headquartered in Harrisburg, Pennsylvania and currently employs 410 full-time employees. The Bank provides a range of consumer and business financial services in Adams, Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry, and York Counties, Pennsylvania and Anne Arundel, Baltimore, Howard, and Washington Counties, Maryland, as well as Baltimore City, Maryland. The firm operates in the community banking segment and engages in lending activities, including commercial, residential, commercial mortgages, construction, municipal, and various forms of consumer lending, and deposit services, including checking, savings, time, and money market deposits. The firm's lending area also includes adjacent counties in Pennsylvania and Maryland, as well as Loudon County, Virginia and Berkeley, Jefferson and Morgan Counties, West Virginia. The firm also provides fiduciary services, investment advisory, insurance and brokerage services.

Industry: State Commercial Banks Peers: ACNB CORP BLUE RIDGE BANKSHARES, INC. CITIZENS FINANCIAL SERVICES INC FVCBankcorp, Inc. PARKE BANCORP, INC. PNC FINANCIAL SERVICES GROUP, INC. USCB FINANCIAL HOLDINGS, INC. UNITY BANCORP INC /NJ/